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Tax Forms are now available by selecting 'eStatements' from the main menu in Internet Banking or the 'More' menu in our Mobile App.
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Car / Truck Loans

We can help finance your next vehicle

Pittsford Federal Credit Union offers competitive, simple rates with fast and easy approvals. Whether you are looking to purchase a new car or truck, buy-out your current lease or refinance your vehicle loan from another institution, we can help. We offer 100% financing for New/Used Auto loans.

Compare your vehicle financing options

Buying a new or used car or truck, is an important decision. Researching and planning first can save you money and help you enjoy your investment. Pittsford Federal Credit Union offers conventional financing and FlexLoan financing for qualifying vehicles. Conventional financing works well for individuals who typically pay off their vehicle in full. FlexLoan financing is a great option for those who enjoy leasing, often trade their vehicle while still financed or are simply looking for a lower loan payment.

 
Traditional Auto Loan From Pittsford FCU
FlexLoan Program From Pittsford FCU
Finance or Lease From Dealer
Eligible Vehicles
New or Used Vehicles
Dealership or Private Party
Most New or Used Vehicles
Dealership or Private Party
(up to five years old, mileage restrictions may apply)
New Vehicles only
Dealership only
Financing Terms
12-84 Months
24-72 Months
Loan can be paid off at any time without penalty
Typically 24-36 Months
Early Termination Fees may apply
Vehicle Ownership
Vehicle is titled in your name
Vehicle is titled in your name
Vehicle is titled to the Leasing Company
Mileage Restrictions
Unlimited
Excess Mileage Fee: NA
7,500 - 18,000 miles per year
Excess Mileage Fee: $0.10 per mile
Typically 10,000-15,000 miles per year
Excess Mileage Fee: Often up to $0.25 (or higher)
At Loan Maturity
You own the vehicle in full
Option to Sell, Trade, Refinance or Payoff at any time.
At the end of the term if you still have the vehicle, you can keep it and refinance the loan; keep it and simply pay the remaining balance; or simply walk away. The walk away option is subject to a disposition fee of $195, any excess-mileage fees and any excess wear and tear charges.
Purchase vehicle from Leasing Company.
Return vehicle at end of Lease. Returning the vehicle is subject to a disposition fee, any excess-mileage fees and any excess wear and tear charges.

Next Steps
Consult your Dealer for Lease options
Apply Simple Calculator Advanced Calculator

Rates

Auto
Loan Terms
Annual Percentage Rate
New & Used
Up to 36 months
5.00%
New & Used
Up to 60 months
5.00%
New & Used
Up to 72 months
5.25%
New Only
Up to 84 months
6.25%

AutoPay

Available AutoPay options:

  • Pay the minimum payment due
  • Pay an amount you choose (above the minimum payment amount)

There are three AutoPay methods to choose from:

  • Internet Banking scheduled transfer – setup and managed by you:
    • Transfers occur before 9:00 AM on the date scheduled.
  • Internal Transfer set up by Pittsford FCU – Contact [email protected] to add, edit or delete
    • If the funds are not available at the time of transfer our system will attempt to transfer daily until the transfer is complete.
  • A Direct Debit from an external savings or checking account – Contact [email protected] for a Direct Debit form